🏠 Rent Conversion Calculator
📍 Deposit → Monthly
Converting 3.0억원 deposit to monthly rent
Monthly Rent
1,125,000원
Annual: 1350만원
📍 Monthly → Deposit
To eliminate 500,000 monthly rent
Additional Deposit Needed
1.3억원
Total Deposit: 4.3억원
📊 2-Year Cost Comparison
| Category | Jeonse (Deposit) | Monthly Rent |
|---|---|---|
| Deposit | 3.0억원 | 3.0억원 + α |
| Opportunity Cost | 2400만원 | - |
| Total Rent (2yr) | - | 1200만원 |
| Real Cost | 2400만원 | 1200만원 |
Monthly rent is better!
Save approximately 1200만원 over 2 years.
🔄 Various Scenarios
| Return Rate | Deposit Cost | Better Option | Difference |
|---|---|---|---|
| 2% | 1200만원 | Rent | 0원 |
| 3% | 1800만원 | Rent | 600만원 |
| 4% ← | 2400만원 | Rent | 1200만원 |
| 5% | 3000만원 | Rent | 1800만원 |
| 6% | 3600만원 | Rent | 2400만원 |
| 7% | 4200만원 | Rent | 3000만원 |
| 8% | 4800만원 | Rent | 3600만원 |
💡 Deposit + Rent Combinations
| Deposit | Monthly Rent | Annual Cost (4% opp.) |
|---|---|---|
| 0원 (0%) | 1,125,000원 | 1350만원 |
| 7500만원 (25%) | 843,750원 | 1313만원 |
| 1.5억원 (50%) | 562,500원 | 1275만원Balance |
| 2.3억원 (75%) | 281,250원 | 1238만원 |
| 3.0억원 (100%) | 0원 | 1200만원 |
Rent Conversion Result
Monthly rent is better
Save approximately 1200만원 over 2 years
🔎 Compare results
Compare outcomes by conditions
#전월세 #월세전환 #전세 #부동산
About Conversion Rate
- • Legal maximum conversion rate: 5% annually
- • Actual market rates vary by location
- • Opportunity cost varies by investment ability
💡Check these out next
What is Rent Conversion?
Rent conversion refers to converting all or part of the Jeonse deposit to monthly rent, or vice versa. The Housing Lease Protection Act sets a maximum conversion rate to reduce tenant burden.
Legal Conversion Rate
Maximum Conversion Rate:
5% annually (Bank of Korea base rate + 3.5%)
As of 2024, may vary with base rate changes
How to Choose
| Criteria | Jeonse Better | Monthly Better |
|---|---|---|
| Available Funds | Have savings | Limited savings |
| Investment Skill | Low returns | High returns |
| Stay Duration | Long-term | Short-term |
| Rate Outlook | Rising rates | Falling rates |
What is Opportunity Cost?
When you lock your money in a Jeonse deposit, you give up potential investment returns. This is opportunity cost. For example, 300 million KRW at 4% return would earn 12 million KRW annually, which you forgo with Jeonse.
Important Considerations
- Consider risk of deposit non-return
- Protect against fraud (get deposit insurance)
- Check renewal increase limits (5% cap)
- Consider monthly rent tax deduction benefits
📚 Guide de calcul local
Logique de formule
Utilise des formules publiques de finance, prêt, ratio et conversion.
Périmètre des sources
Références basées sur standards publics et pratiques courantes par pays.
Hypothèses
Taxes, frais, taux et plafonds varient selon la région et l’organisme.
Result Interpretation
Utilisez ce résultat comme scénario de base. Avant décision, comparez-le avec une offre réelle et la fiscalité locale.
Préréglage local
Devise: EUR
Unités: metric
Modèle fiscal: US payroll estimate
Note réglementaire
Cet outil utilise des préréglages régionaux pour l’estimation. Les conditions réelles et limites légales varient selon l’établissement et la loi locale.
Actions recommandées
- Comparez au moins 2-3 établissements locaux avant décision.
- Vérifiez par écrit frais, fiscalité et clause de remboursement anticipé.
- Testez un scénario de stress avec +1-2% de taux.
Avant toute décision réelle, vérifiez les règles locales à jour.